Hey all,
I earned 1,000,000 miles on TWA/AA the hard way: short haul flights year after year. In fact, I never did get one of those 'new-fangled' AA Citibank cards. Needless to say, I was very illiterate about FF miles etc. Of course, that was at least one career ago. Also, I did have a rather huge collection of SPG, Membership Reward, and especially huge collection of DinersClub Club Rewards. Those lied fallow for many years, though I did get a nice second honeymoon, and lots of gift card redemptions from them. In fact, recently, I sold off my last 125,000 Membership Reward miles. Like I said, I was illiterate. Also, there were a bunch of years where income < obligations.
Now, income > obligations, my fico ~ 670 (due to balance usage), and I have a fair amount of time on my hands. I don't jones for fancy airplane flights or deluxe hotel accommodations. My family has only so many vacation days a year, and we like to -- don't gasp -- cruise. No one has really 'hacked' cruising (although I'm now pretty sharp at getting good fares).
So my interest is on the cash-back, save money side of this sport / hobby (and my interest has been greatly piqued by the DC ApplePay 10% 2X cash back). Currently, the biggest way I can improve the income > obligations equation is to get interest rates and card balances down asap. So besides the obvious 'watch what you spend your money on', what are the two or three best tools I can have in this hobby for my particular interest?